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Segment Information (Tables) | 9 Months Ended
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Sep. 30, 2025
Segment Reporting [Abstract] |
Reconciliation of Revenue and operating Income from Segments to Consolidated | Following are the operating results for the respective periods:
(millions) |  | Personal Lines |  | Commercial Lines |  | Other 1 |  | Companywide
Three Months Ended September 30, 2025 |  |  |  |  |  |  |  |
Net premiums earned |  | $ | 18,089 |  |  | $ | 2,760 |  |  | $ | 0 |  |  | $ | 20,849 |
Fees and other revenues |  | 272 |  |  | 34 |  |  | 0 |  |  | 306 |
Total underwriting revenue |  | 18,361 |  |  | 2,794 |  |  | 0 |  |  | 21,155 |
Losses and loss adjustment expenses: |  |  |  |  |  |  |  |
Losses (excluding catastrophe losses) |  | 9,801 |  |  | 1,575 |  |  | 1 |  |  | 11,377 |
Catastrophe losses |  | 207 |  |  | 12 |  |  | 0 |  |  | 219 |
Loss adjustment expenses |  | 1,554 |  |  | 296 |  |  | (1) |  |  | 1,849 |
Total losses and loss adjustment expenses |  | 11,562 |  |  | 1,883 |  |  | 0 |  |  | 13,445 |
Underwriting expenses: |  |  |  |  |  |  |  |
Distribution expenses 2 |  | 2,507 |  |  | 313 |  |  | 1 |  |  | 2,821 |
Other underwriting expenses 3 |  | 2,394 |  |  | 300 |  |  | 5 |  |  | 2,699 |
Total underwriting expenses |  | 4,901 |  |  | 613 |  |  | 6 |  |  | 5,520 |
Pretax underwriting profit (loss) |  | $ | 1,898 |  |  | $ | 298 |  |  | $ | (6) |  |  | 2,190 |
Investment profit (loss)4 |  |  |  |  |  |  |  | 1,209 |
Service businesses profit (loss) |  |  |  |  |  |  |  | (6) |
Interest expense |  |  |  |  |  |  |  | (70) |
Total pretax profit (loss) |  |  |  |  |  |  |  | $ | 3,323 |
(millions) |  | Personal Lines |  | Commercial Lines |  | Other 1 |  | Companywide
Three Months Ended September 30, 2024 |  |  |  |  |  |  |  |
Net premiums earned |  | $ | 15,570 |  |  | $ | 2,727 |  |  | $ | 0 |  |  | $ | 18,297 |
Fees and other revenues |  | 235 |  |  | 43 |  |  | 0 |  |  | 278 |
Total underwriting revenue |  | 15,805 |  |  | 2,770 |  |  | 0 |  |  | 18,575 |
Losses and loss adjustment expenses: |  |  |  |  |  |  |  |
Losses (excluding catastrophe losses) |  | 8,514 |  |  | 1,607 |  |  | (1) |  |  | 10,120 |
Catastrophe losses |  | 698 |  |  | 34 |  |  | 0 |  |  | 732 |
Loss adjustment expenses |  | 1,382 |  |  | 276 |  |  | 0 |  |  | 1,658 |
Total losses and loss adjustment expenses |  | 10,594 |  |  | 1,917 |  |  | (1) |  |  | 12,510 |
Underwriting expenses: |  |  |  |  |  |  |  |
Distribution expenses 2 |  | 2,267 |  |  | 297 |  |  | 0 |  |  | 2,564 |
Other underwriting expenses 3 |  | 1,245 |  |  | 248 |  |  | 3 |  |  | 1,496 |
Total underwriting expenses |  | 3,512 |  |  | 545 |  |  | 3 |  |  | 4,060 |
Pretax underwriting profit (loss) |  | $ | 1,699 |  |  | $ | 308 |  |  | $ | (2) |  |  | 2,005 |
Investment profit (loss)4 |  |  |  |  |  |  |  | 1,020 |
Service businesses profit (loss) |  |  |  |  |  |  |  | (9) |
Interest expense |  |  |  |  |  |  |  | (70) |
Total pretax profit (loss) |  |  |  |  |  |  |  | $ | 2,946 |
(millions) |  | Personal Lines |  | Commercial Lines |  | Other 1 |  | Companywide
Nine Months Ended September 30, 2025 |  |  |  |  |  |  |  |
Net premiums earned |  | $ | 52,343 |  |  | $ | 8,224 |  |  | $ | 1 |  |  | $ | 60,568 |
Fees and other revenues |  | 784 |  |  | 112 |  |  | 0 |  |  | 896 |
Total underwriting revenue |  | 53,127 |  |  | 8,336 |  |  | 1 |  |  | 61,464 |
Losses and loss adjustment expenses: |  |  |  |  |  |  |  |
Losses (excluding catastrophe losses) |  | 28,484 |  |  | 4,695 |  |  | 0 |  |  | 33,179 |
Catastrophe losses |  | 1,349 |  |  | 36 |  |  | 0 |  |  | 1,385 |
Loss adjustment expenses |  | 4,415 |  |  | 875 |  |  | 0 |  |  | 5,290 |
Total losses and loss adjustment expenses |  | 34,248 |  |  | 5,606 |  |  | 0 |  |  | 39,854 |
Underwriting expenses: |  |  |  |  |  |  |  |
Distribution expenses 2 |  | 7,183 |  |  | 907 |  |  | 2 |  |  | 8,092 |
Other underwriting expenses 3 |  | 4,967 |  |  | 823 |  |  | 13 |  |  | 5,803 |
Total underwriting expenses |  | 12,150 |  |  | 1,730 |  |  | 15 |  |  | 13,895 |
Pretax underwriting profit (loss) |  | $ | 6,729 |  |  | $ | 1,000 |  |  | $ | (14) |  |  | 7,715 |
Investment profit (loss)4 |  |  |  |  |  |  |  | 3,053 |
Service businesses profit (loss) |  |  |  |  |  |  |  | (18) |
Interest expense |  |  |  |  |  |  |  | (209) |
Total pretax profit (loss) |  |  |  |  |  |  |  | $ | 10,541 |
(millions) |  | Personal Lines |  | Commercial Lines |  | Other 1 |  | Companywide
Nine Months Ended September 30, 2024 |  |  |  |  |  |  |  |
Net premiums earned |  | $ | 43,706 |  |  | $ | 7,949 |  |  | $ | 0 |  |  | $ | 51,655 |
Fees and other revenues |  | 647 |  |  | 127 |  |  | 0 |  |  | 774 |
Total underwriting revenue |  | 44,353 |  |  | 8,076 |  |  | 0 |  |  | 52,429 |
Losses and loss adjustment expenses: |  |  |  |  |  |  |  |
Losses (excluding catastrophe losses) |  | 24,225 |  |  | 4,781 |  |  | (4) |  |  | 29,002 |
Catastrophe losses |  | 2,279 |  |  | 69 |  |  | 0 |  |  | 2,348 |
Loss adjustment expenses |  | 3,903 |  |  | 824 |  |  | 0 |  |  | 4,727 |
Total losses and loss adjustment expenses |  | 30,407 |  |  | 5,674 |  |  | (4) |  |  | 36,077 |
Underwriting expenses: |  |  |  |  |  |  |  |
Distribution expenses 2 |  | 5,655 |  |  | 855 |  |  | 0 |  |  | 6,510 |
Other underwriting expenses 3 |  | 3,468 |  |  | 726 |  |  | 7 |  |  | 4,201 |
Total underwriting expenses |  | 9,123 |  |  | 1,581 |  |  | 7 |  |  | 10,711 |
Pretax underwriting profit (loss) |  | $ | 4,823 |  |  | $ | 821 |  |  | $ | (3) |  |  | 5,641 |
Investment profit (loss)4 |  |  |  |  |  |  |  | 2,339 |
Service businesses profit (loss) |  |  |  |  |  |  |  | (25) |
Interest expense |  |  |  |  |  |  |  | (209) |
Total pretax profit (loss) |  |  |  |  |  |  |  | $ | 7,746 |
1 Includes other underwriting business and run-off operations. 2 Includes policy acquisition costs, agents’ contingent commissions, and advertising costs attributable to our operating segments. A portion of our companywide advertising costs are also attributed to our service businesses. 3 Primarily consists of employee compensation and benefit costs, policyholder credits, and the increase in the allowance for credit loss exposure on our premiums receivable. 4 Calculated as recurring investment income plus total net realized gains (losses) on securities, less investment expenses.
Underwriting Margins and Combined Ratios for our Underwriting Operations | Following are the underwriting margins and combined ratios for our underwriting operations for the respective periods:
| Three Months Ended September 30, |  | Nine Months Ended September 30,
| 2025 |  | 2024 |  | 2025 |  | 2024
| Under- writing Margin | Combined Ratio |  | Under- writing Margin | Combined Ratio |  | Under- writing Margin | Combined Ratio |  | Under- writing Margin | Combined Ratio
Personal Lines | 10.5 | % | 89.5 |  |  | 10.9 | % | 89.1 |  |  | 12.9 | % | 87.1 |  |  | 11.0 | % | 89.0 |
Commercial Lines | 10.8 |  | 89.2 |  |  | 11.3 |  | 88.7 |  |  | 12.2 |  | 87.8 |  |  | 10.3 |  | 89.7 |
Total underwriting operations | 10.5 |  | 89.5 |  |  | 11.0 |  | 89.0 |  |  | 12.7 |  | 87.3 |  |  | 10.9 |  | 89.1 |

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